Senior Commercial Credit Analyst — C&I/ABL Lending

Ascendo Resources, LLC; Miami (FL); On-site; USD 80,000 - 110,000; Full time

Job summary

Ascendo Resources, LLC is seeking an experienced Senior Commercial Credit Analyst to join a banking institution in Miami. You will perform in-depth financial analysis, assess credit risk, and prepare underwriting packages for complex commercial loan requests.

You will collaborate with relationship managers and loan officers, monitor borrower performance, and mentor junior analysts while ensuring compliance with credit policies and regulatory requirements.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics or related field; MBA or CFA a plus
• 3+ years of commercial credit analysis or underwriting experience in banking or financial services
• Strong understanding of C&I or ABL Lending
• Proficiency with financial spreading software and Microsoft Excel
• Excellent analytical, written, and verbal communication skills
• Strong attention to detail and ability to meet deadlines in a fast-paced environment

Responsibilities

• Conduct comprehensive financial analysis of middle-market and commercial borrowers, including review of financial statements, tax returns, and cash flow projections.
• Prepare detailed credit memos and underwriting packages with risk assessments and recommendations for approval.
• Evaluate collateral and perform loan structure analysis to ensure appropriate risk mitigation.
• Collaborate with relationship managers, loan officers, and portfolio managers on new and existing credit requests.
• Monitor borrower performance and identify early warning signs of credit deterioration.
• Assist in portfolio management, including renewals, modifications, and annual reviews.
• Ensure all analyses comply with internal credit policies and regulatory requirements.
• Mentor junior analysts by reviewing work, sharing best practices, and providing technical guidance

Skills

Credit analysis

Financial modeling

Excel proficiency

Communication skills

Education

Bachelor’s degree in Finance/Accounting/Economics

MBA or CFA a plus

Tools

Financial spreading software

Microsoft Excel

Job description

Ascendo Resources, LLC is seeking an experienced Senior Commercial Credit Analyst to join a banking institution in Miami. You will perform in-depth financial analysis, assess credit risk, and prepare underwriting packages for complex commercial loan requests.

You will collaborate with relationship managers and loan officers, monitor borrower performance, and mentor junior analysts while ensuring compliance with credit policies and regulatory requirements.